Five insurances and one fund refer to the collective name of several types of security benefits provided by employers to workers, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

The payment ratio of each insurance type is: 1. The basic pension insurance is 20% paid by the employer and 8% paid by the individual; 2. The basic medical insurance is 10% paid by the employer and 2% paid by the individual; 3. Unemployment

The insurance unit pays 1% and individuals pay 0.2%; 4. Work-related injury insurance is paid by the unit at 0.3%; 5. Maternity insurance is paid by the unit at 0.8%; 6. The housing provident fund payment ratio is divided between units and individuals.

Both are 12 percent.

Legal basis: Article 64 of the "Social Insurance Law of the People's Republic of China" Social insurance funds include basic pension insurance funds, basic medical insurance funds, work-related injury insurance funds, unemployment insurance funds and maternity insurance funds.

Except for the basic medical insurance fund and the maternity insurance fund, which are jointly established and accounted for, other social insurance funds are accounted for and accounted for separately according to the types of social insurance insurance.

Social insurance funds implement the unified national accounting system.

Social insurance funds are earmarked for exclusive use and may not be misappropriated or misappropriated by any organization or individual.

Basic pension insurance funds will gradually implement national pooling, and other social insurance funds will gradually implement provincial level pooling. The specific time and steps will be stipulated by the State Council.

Article 12 The employer shall pay basic pension insurance premiums in proportion to the total wages of its employees stipulated by the state and record them into the basic pension insurance overall fund.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premiums in accordance with national regulations.

Article 35 The employer shall pay work-related injury insurance premiums based on the total wages of its employees and the rate determined by the social insurance agency.